JP
Jareth P
1 reviews | Active since Oct 2013
30 Mar 2023, 15:19
OUTsurance is ********* unprofessional and they cover-up the truth, to avoid paying out, when handling third-party claims for damages caused by their clients..
Outsurance is an ********* and Unprofessional insurer, aiding its clients to de***** others in matters where damages had been caused by their client's own actions.
they lie and clearly deliberately do a half-investigation when you put in a claim for a vehicle collision caused by their client.
the facts of the case. • Company Name: Mr Delivery. • The driver of Bike 21, Plate number CY 41 1102, • Enoch Nshimiramana, • claim number: ***, • Their client’s driver collided into me as I was making a right-hand turn into the gated school grounds, • Their client’s driver attempted to overtake me inside of my turn and • collided into me after he failed to stop. • this took place on 03-03-2023 at/or around 13:34. • Outsurance Agent: Michael Mazibuko
I submitted pictures as well as the report on the occurrences, as well as the case number and now, have had feedback from outsurance stating they refute my claim and refuse to payout for the damages their client directly caused.
they are now alleging that I did not indicate my turn when in fact I did, obviously, this is devolving into a “he said she said” or it would be had I not suffered the damages in the way that I did, anyone with half an idea on investigations would have been able to look at the images and raise the correct questions that allegedly not indicating would highlight.
1. If I turned in front of the driver “cutting him off” as he alleged, into a gated property, it is impossible for me to be speeding at this point, why was he not able to come to a stop, he then clearly was speeding. 2. If he was not speeding and was already overtaking me, how then are the damages at the tail-end of my vehicle and not further up the body of my vehicle? 3. Why was he then not maintaining a safe following distance? It is the law of the road to maintain a safe following distance specifically to prevent situations such as this. 4. Finally, if his allegations stand why is he driving so recklessly on an urban road lined from end to end with schools and businesses, it is far more than simple law to understand common sense tells us not to speed and or overtake vehicles on such roads in any condition, I was clearly moving slowly making my turn when the *********** driver chose to overtake me if he was paying attention and not say on his phone while driving then he would have been able to identify that I had been turning before his own actions of speeding up, or speeding, to begin with, and over-taking me. These questions are simply not brought to bear indicating that this incident is being covered up by the Insurer in favour of their Client who is entirely at fault.
I understand this is a legal concern in terms of I am the third party therefore I have to provide evidence to back up my claim, my concern, however, is the fact that even providing that evidence they simply refuse to assist further, choosing rather to covering up the truth than allow their client to accept the responsibility of their own negligent actions.
Either Enoch needs to be made to pay for the damages his deliberate actions caused or Mr Delivery needs to repair my vehicle under claim number ***.
I gave them a few extra days to resolve this matter from the time i raised my questions to them to allow them to question their clients blatant lies accordingly of which noone has been bothered to contact me and update me further on the details, or to provide me with a substantial argument to "prove" the factual course of events are not so and that their lying drivers fantastical version is "truthful", again the factual version is unrefutably corrobrated with the photographic evidence provided to all members involved.
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Replies (2)
OUTsurance's replyOfficial
05 Apr 2023, 14:27Hello Jareth
We understand your disappointment.
Our liability clams manager tried to contact you again to discuss the merit dispute, but was not successful in reaching you.
The matter is still with the management team and we will attempt to make further contact with you.
Regards
The OUTsurance Team
We understand your disappointment.
Our liability clams manager tried to contact you again to discuss the merit dispute, but was not successful in reaching you.
The matter is still with the management team and we will attempt to make further contact with you.
Regards
The OUTsurance Team
OUTsurance's reply05 Apr 2023, 14:27
Official
Hello Jareth
We understand your disappointment.
Our liability clams manager tried to contact you again to discuss the merit dispute, but was not successful in reaching you.
The matter is still with the management team and we will attempt to make further contact with you.
Regards
The OUTsurance Team
We understand your disappointment.
Our liability clams manager tried to contact you again to discuss the merit dispute, but was not successful in reaching you.
The matter is still with the management team and we will attempt to make further contact with you.
Regards
The OUTsurance Team
JP
Jareth P's updateReviewer Update
19 Apr 2023, 11:32It is sadly to no surprise to me that you guys have ZERO integrity and the injustices your institution commits needs to be answered to!!
Sadly, one star is the lowest I can rate, I would have preferred a negative number to properly showcase this institution’s “worth” as laid out below.
Sadly, one star is the lowest I can rate, I would have preferred a negative number to properly showcase this institution’s “worth” as laid out below.
It is sad that in this day and age when insurance companies are so crucial to all households and with competition so high, that you sadly find so-called insurers with a sheer disregard for Integrity and shockingly questionable actions coupled with absolute and blatant injustices such as is rampant at OUTsurance.
The Incompetence of their liability claims team is sadly apparent, and little is done by those perpetrators to cover up their ill intent and blatant disregard for their own Clients’ accountability and their own as well as their client’s integrity or more accurately lack thereof.
Directly causing pain and suffering to people and their livelihoods with their false information and gross neglect of their duties and integrity.
On the 3rd March 2023 at approximately 13:34 a Mr Delivery driver of Bike number 21 by the name of Enoch Nshimirimana drove into my vehicle while I was INDICATING and turning into the gated school grounds of my son’s school, La Vigne, on Oxford road in Durbanville after he had failed to stop or possibly through his own incompetence and clear lack of understanding of the most basic rules of the road while attempting to *******ly overtake me in a business and school urban road.
I attempted to settle and resolve the matter amicably with the perpetrators being Mr Delivery by contacting them directly, after speaking with a Mr Louis Aspeling who arranged for another individual to come out to the scene to “assist”, sadly I do not recall the details of this individual, however, after reviewing the scene, he firstly acknowledged his Drive Enoch Nshimirimana was at fault and advised that he would submit his report and I would then hear back from his manager Ashleigh Leider.
Sadly, this was when the calamity and injustice began. This so-called manager Ashleigh Leider blatantly ignored me and only after many attempts to make contact to find out the next steps, this individual simply rep**** with the OUTsurance claim number, as I later learnt this was clearly done as a way to cover up the truth behind the incident which I will get into with more specifics shortly.
I then reached out to OUTsurance, who firstly advised this claim was closed as the third party would claim on their own insurance… this was never discussed or agreed to nor do I even have any insurance, it was in-fact stated by me multiple times on scene to the individual who acknowledged his driver’s fault as well as by Louis Aspeling and Ashleigh Leider that I would need the damages to my vehicle repaired on their insurance, so this was already my first run-in with these people being both Mr Delivery employees and OUTsurance.
I was eventually advised by the OUTsurance rep to email my response through with the claim number on the subject line, after I explained that I was the third party and would need the repairs done by them as their client was/is at fault and on the 15th March 2023 the same day I had called OUTsurance, I did just that and got a response back with reference: 135-186-261.
On the 23rd of March 2023 at 11:35 I sent a follow-up email asking for feedback after having heard nothing more.
On the 27th of March 2023, a Lousy 12 days after my claim was first lodged, I received a call from Michael Mazibuko from OUTsurance’s liability claims department who without further enquiry simply stated the claim had been refuted and that was it.
Naturally I was in a state of shock and anger to hear this, not only was my claim refused without giving me the chance to prove any of the events or to properly explain the situation, but it was also stated falsely by the driver of bike 21, Enoch Nshimirimana, that I had not indicated my turn.
Still on the 27th of March 2023, I called OUTsurance and requested to speak to a manager, I was then put in contact with a Tanya (no last name was ever provided) who is reportedly the manager of the liability claims department, I attempted to explain the situation, she unapologetically attempted to strong arm me with the situation, alleging, to roughly sum it up as a he said he said situation, as I had not provided proof with my claim,
1. firstly it is important to note that I was never told that I needed to attempt to provide everything in a single email,
2. I was misled to believe that I would be contacted to allow me to then provide my account and proof of the situation, however, this was not the case,
3. instead OUTsurance attempted to and used the opportunity to flat-out refuse my claim in favour of their client’s false allegation alone,
4. I requested if I could at least be allowed to provide the proofs in the form of the photos I had taken on the day when finally Tanya said I merely needed to send them to Michael Mazibuko as a reply to his email so that he could review them and re-evaluate, which I promptly did the same day, I even went further in doing their jobs for them by breaking down the damages seen in the photo along with appropriate questions which nullify the false proclamation that I had not been indicating my turn.
I then allowed a few days for OUTsurance to review and get back to me, but they never did, sadly it appears that they assumed that by simply
1. ignoring me I would allow the
2. undue stress and suffering their actions caused me and my family to simply slide by without recourse, however I did not and rightfully so.
I lodged a complaint on the 30th of March 2023 at 15:19 regarding their failure to tend to my matter here on Hello Peter Titled: OUTsurance is *********, unprofessional and they cover up the truth, to avoid paying out, when handling third-party claims for damages caused by their clients,
I missed the first call from Tanya following my complaint, however on the 5th of April 2023 I answered a call from Tanya’s office, the lady asked for 24 hours to review the situation and my questions and submitted evidence, which I did agree to.
the following day on 6th April 2023 I received a call from Tanya (again no last name) the manager of the Liability claims department of OUTsurance, who once again attempted to strong-arm me, by referencing the first conversation we had, however conveniently omitting the fact we had discussed my action to submit the additional evidence directly to Michael Mazibuko. She then “looked on the system” and to my shock advised that the images had not been added to their system and that she would need to speak to Michael who had conveniently “already left for the day” This is by Tanya’s own admission proof of the lack of integrity and professionalism provided by OUTsurance.
On the 14th April 2023 @ 10:33, Tanya called me back once again and to my absolute lack of surprise stated that “The Images do not change the outcome as ‘had I looked I would have seen the bike there’”, the fact remains I did look, I saw the bike and I was indicating and already turning into the grounds, this is yet another poor excuse with no substance or basis in a pathetic attempt to cover-up and hide the truth that their client Enoch Nshimirimana of Bike 21 in Durbanville, is guilty of what can now be considered vandalism in light of the above, and his vandalous actions are being protected by OUTsurance, these outright lies need to be addressed at the highest levels, i get i am not a paying client, but their paying client crashed into me while i was abiding by the standard rules of the road and he was not, their client needs to be held accountable for their own incompetence and seemingly deliberate vandelous actions. and due to the lies and false information proclaimed by Tanya, OUTsurance too needs to be held to the consequences of the injustices they undoubtedly cause thousands if not millions of people in our beloved country, it is people such as Tanya and the entirety of Mr Delivery seniors and executives who have absolutely no integrity who are dragging our nation through the dirt with their injustice and outright lies.
This is clearly a cover-up perpetrated by OUTsurance as a whole as its representatives relay in bright flashing neon colour the TRUE values of this sad excuse for an institution.
Sadly, I am unable to Upload the photo evidence into this Review as it only accepts Text, however I am willing to share these with any and all who ask to further prove the injustices committed against me.
Again, my questions remain as follows:
1. If I turned in front of the driver “cutting him off” as he alleged, (i)into a gated property, (ii)it is impossible for me to be speeding at this point, why was he not able to come to a stop, he then clearly was speeding AND AT FAULT.
2. If he was not speeding and was already overtaking me, how then are the damages at the tail-end of my vehicle and not further up the body of my vehicle, this clearly cannot be true and therefore he is AT FAULT.
3. Why was he then not maintaining a safe following distance? (i)It is the law of the road to maintain a safe following distance specifically to prevent situations such as this. Therefore, he IS AT FAULT.
4. Finally, if his Ludacris allegations are to be believed why is he driving so (i)recklessly and (ii)speeding on an (iii)urban road lined from end to end with schools and businesses in the first place, it is far more than simple law to understand this concern, common sense tells us not to speed and or overtake vehicles on such roads in any conditions, (i)I was clearly moving slowly making my turn when the *********** driver chose to overtake me (ii)if he was paying attention and not say (iii)on his phone while driving then he would have been able to identify that I had been turning before his own actions of (iv)speeding up, or (v)speeding to begin with, and (vi)over-taking me hence he IS AT FAULT.
Lastly in addition to this, if I was the driver at fault in this ordeal, why would the driver of bike 21, Enoch Nshimirimana have been so apologetic on-site, he did not stop saying “sorry” and expressing how sorry he was, furthermore why would the individual who arrived on the scene also acknowledge that his driver Enock Nshimirimana was at fault, again if I was at fault they would have argued that point instead or at the least stated it in some way, they were both immensely apologetic, however in hindsight, they were seemingly plotting the story to coverup this incident and more importantly the truth behind it to evade accountability of their own actions due to their Immense and gross lack of integrity, and this is exacerbated by OUTsurances own lack of integrity, gross negligence, utter disregard for their duties and shockingly suspicious actions to avoid paying out to repair my vehicle which was damaged and due to OUTsurance and Mr Delivery’s actions seemingly vandalized by their client.
I implore each and everyone to not support such vile institutions, who hold high their ability to unjustly operate and withhold monies owed for damages caused by them and/or their clients.
Let us rather hold them accountable for their actions, the lack thereof.
It is truly a sad day when such a gross injustice is perpetrated against the innocent, and this entire ordeal could have been resolved amicably and timeously instead of them playing these vile and cruel games with people’s lives and lively hoods.
I see King Price is currently the #1 insurer trust index ranked 10/10 by 42679 users. That’s impressive, clearly, they have got integrity and do not hire agents based on their ability to harm the system. And to think I almost made the sad mistake of being insured by OUTsurance…Yuck!
JP
Jareth P's update19 Apr 2023, 11:32
Reviewer Update
It is sadly to no surprise to me that you guys have ZERO integrity and the injustices your institution commits needs to be answered to!!
Sadly, one star is the lowest I can rate, I would have preferred a negative number to properly showcase this institution’s “worth” as laid out below.
Sadly, one star is the lowest I can rate, I would have preferred a negative number to properly showcase this institution’s “worth” as laid out below.
It is sad that in this day and age when insurance companies are so crucial to all households and with competition so high, that you sadly find so-called insurers with a sheer disregard for Integrity and shockingly questionable actions coupled with absolute and blatant injustices such as is rampant at OUTsurance.
The Incompetence of their liability claims team is sadly apparent, and little is done by those perpetrators to cover up their ill intent and blatant disregard for their own Clients’ accountability and their own as well as their client’s integrity or more accurately lack thereof.
Directly causing pain and suffering to people and their livelihoods with their false information and gross neglect of their duties and integrity.
On the 3rd March 2023 at approximately 13:34 a Mr Delivery driver of Bike number 21 by the name of Enoch Nshimirimana drove into my vehicle while I was INDICATING and turning into the gated school grounds of my son’s school, La Vigne, on Oxford road in Durbanville after he had failed to stop or possibly through his own incompetence and clear lack of understanding of the most basic rules of the road while attempting to *******ly overtake me in a business and school urban road.
I attempted to settle and resolve the matter amicably with the perpetrators being Mr Delivery by contacting them directly, after speaking with a Mr Louis Aspeling who arranged for another individual to come out to the scene to “assist”, sadly I do not recall the details of this individual, however, after reviewing the scene, he firstly acknowledged his Drive Enoch Nshimirimana was at fault and advised that he would submit his report and I would then hear back from his manager Ashleigh Leider.
Sadly, this was when the calamity and injustice began. This so-called manager Ashleigh Leider blatantly ignored me and only after many attempts to make contact to find out the next steps, this individual simply rep**** with the OUTsurance claim number, as I later learnt this was clearly done as a way to cover up the truth behind the incident which I will get into with more specifics shortly.
I then reached out to OUTsurance, who firstly advised this claim was closed as the third party would claim on their own insurance… this was never discussed or agreed to nor do I even have any insurance, it was in-fact stated by me multiple times on scene to the individual who acknowledged his driver’s fault as well as by Louis Aspeling and Ashleigh Leider that I would need the damages to my vehicle repaired on their insurance, so this was already my first run-in with these people being both Mr Delivery employees and OUTsurance.
I was eventually advised by the OUTsurance rep to email my response through with the claim number on the subject line, after I explained that I was the third party and would need the repairs done by them as their client was/is at fault and on the 15th March 2023 the same day I had called OUTsurance, I did just that and got a response back with reference: 135-186-261.
On the 23rd of March 2023 at 11:35 I sent a follow-up email asking for feedback after having heard nothing more.
On the 27th of March 2023, a Lousy 12 days after my claim was first lodged, I received a call from Michael Mazibuko from OUTsurance’s liability claims department who without further enquiry simply stated the claim had been refuted and that was it.
Naturally I was in a state of shock and anger to hear this, not only was my claim refused without giving me the chance to prove any of the events or to properly explain the situation, but it was also stated falsely by the driver of bike 21, Enoch Nshimirimana, that I had not indicated my turn.
Still on the 27th of March 2023, I called OUTsurance and requested to speak to a manager, I was then put in contact with a Tanya (no last name was ever provided) who is reportedly the manager of the liability claims department, I attempted to explain the situation, she unapologetically attempted to strong arm me with the situation, alleging, to roughly sum it up as a he said he said situation, as I had not provided proof with my claim,
1. firstly it is important to note that I was never told that I needed to attempt to provide everything in a single email,
2. I was misled to believe that I would be contacted to allow me to then provide my account and proof of the situation, however, this was not the case,
3. instead OUTsurance attempted to and used the opportunity to flat-out refuse my claim in favour of their client’s false allegation alone,
4. I requested if I could at least be allowed to provide the proofs in the form of the photos I had taken on the day when finally Tanya said I merely needed to send them to Michael Mazibuko as a reply to his email so that he could review them and re-evaluate, which I promptly did the same day, I even went further in doing their jobs for them by breaking down the damages seen in the photo along with appropriate questions which nullify the false proclamation that I had not been indicating my turn.
I then allowed a few days for OUTsurance to review and get back to me, but they never did, sadly it appears that they assumed that by simply
1. ignoring me I would allow the
2. undue stress and suffering their actions caused me and my family to simply slide by without recourse, however I did not and rightfully so.
I lodged a complaint on the 30th of March 2023 at 15:19 regarding their failure to tend to my matter here on Hello Peter Titled: OUTsurance is *********, unprofessional and they cover up the truth, to avoid paying out, when handling third-party claims for damages caused by their clients,
I missed the first call from Tanya following my complaint, however on the 5th of April 2023 I answered a call from Tanya’s office, the lady asked for 24 hours to review the situation and my questions and submitted evidence, which I did agree to.
the following day on 6th April 2023 I received a call from Tanya (again no last name) the manager of the Liability claims department of OUTsurance, who once again attempted to strong-arm me, by referencing the first conversation we had, however conveniently omitting the fact we had discussed my action to submit the additional evidence directly to Michael Mazibuko. She then “looked on the system” and to my shock advised that the images had not been added to their system and that she would need to speak to Michael who had conveniently “already left for the day” This is by Tanya’s own admission proof of the lack of integrity and professionalism provided by OUTsurance.
On the 14th April 2023 @ 10:33, Tanya called me back once again and to my absolute lack of surprise stated that “The Images do not change the outcome as ‘had I looked I would have seen the bike there’”, the fact remains I did look, I saw the bike and I was indicating and already turning into the grounds, this is yet another poor excuse with no substance or basis in a pathetic attempt to cover-up and hide the truth that their client Enoch Nshimirimana of Bike 21 in Durbanville, is guilty of what can now be considered vandalism in light of the above, and his vandalous actions are being protected by OUTsurance, these outright lies need to be addressed at the highest levels, i get i am not a paying client, but their paying client crashed into me while i was abiding by the standard rules of the road and he was not, their client needs to be held accountable for their own incompetence and seemingly deliberate vandelous actions. and due to the lies and false information proclaimed by Tanya, OUTsurance too needs to be held to the consequences of the injustices they undoubtedly cause thousands if not millions of people in our beloved country, it is people such as Tanya and the entirety of Mr Delivery seniors and executives who have absolutely no integrity who are dragging our nation through the dirt with their injustice and outright lies.
This is clearly a cover-up perpetrated by OUTsurance as a whole as its representatives relay in bright flashing neon colour the TRUE values of this sad excuse for an institution.
Sadly, I am unable to Upload the photo evidence into this Review as it only accepts Text, however I am willing to share these with any and all who ask to further prove the injustices committed against me.
Again, my questions remain as follows:
1. If I turned in front of the driver “cutting him off” as he alleged, (i)into a gated property, (ii)it is impossible for me to be speeding at this point, why was he not able to come to a stop, he then clearly was speeding AND AT FAULT.
2. If he was not speeding and was already overtaking me, how then are the damages at the tail-end of my vehicle and not further up the body of my vehicle, this clearly cannot be true and therefore he is AT FAULT.
3. Why was he then not maintaining a safe following distance? (i)It is the law of the road to maintain a safe following distance specifically to prevent situations such as this. Therefore, he IS AT FAULT.
4. Finally, if his Ludacris allegations are to be believed why is he driving so (i)recklessly and (ii)speeding on an (iii)urban road lined from end to end with schools and businesses in the first place, it is far more than simple law to understand this concern, common sense tells us not to speed and or overtake vehicles on such roads in any conditions, (i)I was clearly moving slowly making my turn when the *********** driver chose to overtake me (ii)if he was paying attention and not say (iii)on his phone while driving then he would have been able to identify that I had been turning before his own actions of (iv)speeding up, or (v)speeding to begin with, and (vi)over-taking me hence he IS AT FAULT.
Lastly in addition to this, if I was the driver at fault in this ordeal, why would the driver of bike 21, Enoch Nshimirimana have been so apologetic on-site, he did not stop saying “sorry” and expressing how sorry he was, furthermore why would the individual who arrived on the scene also acknowledge that his driver Enock Nshimirimana was at fault, again if I was at fault they would have argued that point instead or at the least stated it in some way, they were both immensely apologetic, however in hindsight, they were seemingly plotting the story to coverup this incident and more importantly the truth behind it to evade accountability of their own actions due to their Immense and gross lack of integrity, and this is exacerbated by OUTsurances own lack of integrity, gross negligence, utter disregard for their duties and shockingly suspicious actions to avoid paying out to repair my vehicle which was damaged and due to OUTsurance and Mr Delivery’s actions seemingly vandalized by their client.
I implore each and everyone to not support such vile institutions, who hold high their ability to unjustly operate and withhold monies owed for damages caused by them and/or their clients.
Let us rather hold them accountable for their actions, the lack thereof.
It is truly a sad day when such a gross injustice is perpetrated against the innocent, and this entire ordeal could have been resolved amicably and timeously instead of them playing these vile and cruel games with people’s lives and lively hoods.
I see King Price is currently the #1 insurer trust index ranked 10/10 by 42679 users. That’s impressive, clearly, they have got integrity and do not hire agents based on their ability to harm the system. And to think I almost made the sad mistake of being insured by OUTsurance…Yuck!